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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best FHA Mortgage Lenders in Worcester
Updated February 5, 2026
Market Overview
121
Total Lenders
8,185
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,147 | +0.041% | 340 | |
2 | BAYCOAST MORTGAGE COMPANY, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $1,257 | -0.088% | 76 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,995 | +0.433% | 603 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,982 | +0.388% | 74 | |
5 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $853 | +0.028% | 51 | |
6 | SALEM FIVE MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,788 | +0.127% | 89 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,159 | -0.034% | 65 | |
8 | AMERANT MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,789 | +0.380% | 44 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $1,992 | +0.492% | 32 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,368 | +0.272% | 659 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,465 | +0.396% | 302 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,973 | +0.307% | 114 | |
13 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,987 | +0.111% | 63 | |
14 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $3,082 | +0.346% | 53 | |
15 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $1,550 | +0.338% | 22 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,993 | +0.268% | 430 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,996 | +0.494% | 247 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,514 | +0.431% | 246 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,754 | +0.377% | 192 | |
20 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,361 | +0.447% | 121 | |
21 | NORTHPOINT MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $3,847 | +0.404% | 86 | |
22 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,543 | +0.181% | 74 | |
23 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Strong | $1,293 | +0.316% | 49 | |
24 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Sound | $1,854 | +0.391% | 34 | |
25 | LAKEVIEW LOAN SERVICING, LLC | Strong | Strong | Strong | Sound | Sound | $996 | +0.297% | 21 | |
26 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,430 | +0.538% | 19 | |
27 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,725 | +0.628% | 413 | |
28 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,510 | +0.363% | 80 | |
29 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,880 | +0.161% | 73 | |
30 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,915 | +0.554% | 50 | |
31 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $6,110 | +0.824% | 36 | |
32 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,538 | +0.727% | 30 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,530 | +0.475% | 24 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,934 | +0.578% | 278 | |
35 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Strong | $2,345 | +0.554% | 63 | |
36 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $971 | -0.087% | 52 | |
37 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,981 | +0.312% | 35 | |
38 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,445 | +0.655% | 31 | |
39 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Exceptional | Sound | $2,030 | +0.399% | 27 | |
40 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Sound | $2,191 | +0.574% | 25 | |
41 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,715 | +0.420% | 22 | |
42 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,841 | +0.348% | 21 | |
43 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,387 | +0.551% | 195 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,783 | +0.498% | 75 | |
45 | DREW MORTGAGE ASSOCIATES, INC. | Sound | Mediocre | Sound | Strong | Exceptional | $3,359 | +0.558% | 77 | |
46 | RADIUS FINANCIAL GROUP INC. | Sound | Mediocre | Strong | Strong | Strong | $4,544 | +0.560% | 72 | |
47 | MORTGAGE EQUITY PARTNERS LLC | Sound | Mediocre | Strong | Strong | Strong | $3,936 | +0.485% | 56 | |
48 | SEMPER HOME LOANS, INC | Sound | Mediocre | Strong | Exceptional | Sound | $5,730 | +0.754% | 26 | |
49 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,121 | +0.423% | 21 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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